This post has been edited by yklooi: Jan 17 2021, 11:28 AM

ok, noted.

to add on
the % of allocation & composition of the published top 5 holdings may have been changed before next public display....
review for similar holdings that are in other funds that is in your portfolio...add them up if have to.

tech or healthcare or any other specific sector / region / country focused funds .... if too worried about the combined % allocated into any specific stocks or sector or country....time to make changes to aligned it with one comfort level

"If a person is having a fear of investing because he is overthinking, it is on that person itself, not the methodology"


This post has been edited by yklooi: Jan 17 2021, 11:38 AM

yes,...trailing behind by 0.4%

hopefully it will still be in the top 10 list by mid of Feb


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i would not put it as a replacement.....just a supplementary....
as their coverage area is not the same...

1 is more broader area while the other is more focused in a particular equity.

my risk profile would be ok if a 4:1 ratio is applied.

you will have to decide what suits you best....if A-share is fully all in,...then A-share is it for you.
not right or wrong as long as you know what to expect from it.

i don't have any specific healthcare focused fund, but i think anyone holding greater china region/asia pac region and tech funds would have accumulated alot of healthcare segment too
i have about 5~8% of my port in healthcare segment

just my take, maybe wrong....

i think normally in June/July/Aug period

i would opt for Indonesia than than Affin Hwang Select Asia (Ex Japan) Quantum Fund as it would be similar to your 10% in Asia ex Japan

"I am tech-guy, where 30% is specifically on tech fund"....do you mean the % of accumulated tech sectors by all your funds is 30% in Tech? if yes, how many % are in China and US?

i think not easy to reduce this 30% as you currently have
25% on China, (have China tech inside)
15% on Malaysia,
10% on Asia ex Japan (hv china tech inside)
40% on Global and (hv US Tech & china tech inside)
10% on Emerging (hv China tech inside)

unless you replace some of them to sector specific? like finance specific?

This post has been edited by yklooi: Jan 20 2021, 12:50 PM

maybe can ask FSM CIS?....i think they have more info about the composition of they funds and its allocation.

else can try FSM SG.....more fund choices than FSM MY

i would not label my funds as "most satisfying" or most regretable funds in my portfolio...for if i would place emphasis about satisfying/regrets,....i may be swayed into looking for the best possible ROI funds in my portfolio...which would lead me to select funds for the composition of my portfolio that may be outside my comfort zone

i think it had to depends on the current % allocated in relation to the portfolio....

if it is only 1% current allocation in the portfolio, then if each top up amount is only 0.5%,...and if there is no other tech focused funds in the port then i feel can continue to top up liao,

if port has RM100 000
if your initial investment is only RM1000 to test the water
and now wanted subsequent top up is only RM500.

then i see and feel it is ok lor to top up....

i am NOT a qualified advisor.....thus this is just for kay poh talk only...

btw, what is FC advise?

unknown to your risk appetite, risk capacity, your experience in investing and/or investment vehicles you have out there.....

thus if for me,....i think your portfolio is just to concentrated or correlated in just 1 area....to much for my risk appetite...

but if your FC thinks and advised you,...and if you believe him/her,...then it should be ok.

no right or wrong,...if it suits you.

This post has been edited by yklooi: Jan 22 2021, 01:19 PM

if you wanted it in your port...then just go for it

you are lucky to have bought in later part of 2020, if you happened to invest in Feb 2020,
try look back the performance during mid Feb till End Mar period to see and have a feel of what is it like to see your EPF money used to buy UT had encountered 20~30% losses in just 1month +...

what would you do if you see losses like that again in the near future?
will you HOLD, SELL or BUY more if you see your investment nose dived by 15~20% in a matters of weeks?

2018 happened and 2020 also happened....
those believers would says....it will come back up in a matters of months....
well, that was PAST,...what will happens to your emotions if it stayed down for sometime longer?

well again, if that is not a problem......then buy all means do as you liked to do now....focusing on your currently selected funds

This post has been edited by yklooi: Jan 22 2021, 02:57 PM

to be able to view and understand better, can you put in the current % of allocation to each of them in relation to your portfolio

My thinking only,...
I don't know if I am in a bear until it is too late to want to react.... For by the time I realised the severity of it, my port has loss alot of %. If I sell it, I would have locked my losses. Thus I usually said to myself, corrections are usually part of the investment journey thus always prepare the composition of my port that I think can stomach the losses.
Some bear was due to policy changes... Like 2018 trade war rheotics n some are black Swan events like covid19.
Some investors hv certain % of allocation in FI not only to smoothen the volatility of the port but also double them as a war chest to deploy them to EQ to try to buy at low.....
Like now, do you think now is a bull or a trap?...
Will you still keep the allocation or you gonna sell as a precautions?......
I can only tell by looking back next few months from now, thus I just go on as usual as I think I can stomach the losses of my port if a bear appear n are still happy with the gains if the bear turned out to be a bull.
As I can afford not to touch my invested money for many years if have to.

from your earlier post...
"Now become big appetite, and searching counter to go in, but price look like very high.
Kenanga Growth fund - 70 k - earn around 10% - sold
Eastspring small cap - 30k - earn 23% - sold
------
Principal Greater China 30k - earn 26% - sold 20k, remain 10k, now higher return of 55%
Principal AP Divenden 10K - keep till now
Principal aiiman 10k - keep till now
Principal Global titan 10k - keep till now
Principal far east consumer 10k - Keep till now
Hong leong AP dividen 20k - keep till now
Principal AP dynamic 10k - keep till now"

mind telling why ALL except Global Titan are similar mandated funds? if one goes up, all same mandated funds will goes up too right? (the correlation of ROI can varies alot between them?) why not just 1 or 2?

when after having reached your target, short term investment for 6-12 months, when gain, you park it back to EPF ....
what is your target % of gain?
you park only the gain back to EPF or ALL from that particular fund back to EPF?

it is good to have a glimpse at some insights & investment perspective about doing UT investing from someone that is active in share markets and has a job in commodity trading

yes it is very nice of you to suggest "Let us gain together", ...but too bad, i think my heart rate does not allow me to join your adventures

This post has been edited by yklooi: Jan 23 2021, 09:14 AM

thanks for the input...
just switched 10% out from my Nomura (equivalent to about 5% of my port) to EQ at 0% Sc

those that want to gain credit points can move from FI to EQ at 0%Sc then move back to FI next week to gain credit points?

now after adding in the % allocated, can see clearer....

1) Affin Hwang World Series - Global Disruptive Innovation Fund MYR Hedged = 12.5% ---84% in US

5)am china a shares myr-hedged=12.5% --- China A share focused fund

2)United malaysia fund=19.25% ---Malaysia focused Balanced fund (90% in Equities as per Dec 2020 factsheet)
7)interpac dana safi =7.5% --- Malaysia focused Eq

total in M'sia Eq = 26.75%

3)amdynamic bond=16.635% -- Malaysia focused FI
4)amanahraya syariah trust fund=14.45% --- Malaysia Focused FI
6)principal islamic lifetime enhanced sukuk fund=16.41% --- Malaysia focused FI

Total in M'sia FI = 47.5%

your portfolio composition is roughly about this,....
China A-share mkt EQ = 12.5%
US tech & US healthcare EQ = 10.5%
Malaysia focused EQ = 26.75%
Malaysia Focused FI = 47.5%

how do you want to diversify it to make it comfortable with your risk appetite and risk capacity? you are in a much better position to make that decision....
to some,...they may said that you are too heavy in Malaysia EQ for your port has 53% in M'sia Eq out of your total Equities investment ...but if you liked it to be so,...it is OK too.